Financial Vision LLC

Financial Vision LLC, a Registered Investment Advisor established in 2002, is dedicated to providing comprehensive financial services tailored to individual client needs. The firm, led by advisors Joshua Yager and Ryan Wolfshorndl, offers services encompassing various financial aspects such as cash flow, tax issues, investments, asset protection, estate planning, and real estate. Financial Vision operates as an independent advisory firm, ensuring objective advice with transparent fee structures. The firm charges fees solely through a retainer agreement, negotiated based on the client's portfolio value, with a minimum annual retainer fee of $12,000. Clients receive monthly fee invoices, deducted directly from their investment accounts. Financial Vision does not engage in performance-based fees and primarily invests in no-load mutual funds, ETFs, publicly traded stocks, and bonds. The firm's investment strategy focuses on diversification, passive buy-and-hold approach, and scenario planning to help clients achieve their financial goals. Clients with Portfolio Supervision grant limited trading authority to Financial Vision, allowing the firm to manage their investments without constant client approval. The firm upholds a Code of Ethics emphasizing integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence. Financial Vision does not participate in client transactions or hold any interest in them. Clients' accounts are held at Charles Schwab & Co., with Financial Vision having access to debit advisory fees. The firm does not vote proxies on behalf of clients. Financial Vision maintains a strict privacy policy, safeguarding client information.